1015 Elm St, Napa, CA 94559 Property Records

Napa County property record for 1015 Elm St, Napa, CA 94559

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,561 sqft · built 1905
Lot Size	0.39 acres (16,988 sqft)
Owner	Trust Name on File
Last Sale	$420,000 (Nov 2009)
Tax Bill	$6,820 (2026)
Deeds & Mortgages	Feb 2017 Line of Credit Apr 2019 Mortgage
Flood Zone	Zone AE (high risk)
APN	`005-131-024-000`

Property Details

APN / Parcel Number

Primary APN	`005-131-024-000`
Alternative APNs	`005-131-024` `00513124`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	2,561 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1985
Construction Type	Wood
Lot Area	16,988 sqft (0.39 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Old Parcel Number	005-131-024
Street Address	1015 ELM ST
City	NAPA
State	CA
Zip	94559-3935
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RT5
Legal Subdivision	NAPA ABAJO SUB
Legal Block	5
Legal Lot Number	10
Jurisdiction	NAPA CA
Township / Civil Division	NAPA
Census Block Group	2
Census Block	2000
Census Tract	200203

Owner

1015 Elm St is owner-occupied and held in a trust since January 2015.

Source: Napa County records, as of October 21, 2026

Owner of Record	Trust Name on File
Mailing Address	1015 ELM ST, NAPA, CA 94559-3935
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Apr 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNISON AGREEMENT CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2009 · Amount on File
Deed Sale	Nov 12, 2009 · Amount on File
Prior Sale	Jul 30, 2009 · Amount on File
Deed Document Number	200929853
Last Transfer Date	Jan 29, 2015
Transfer Doc	0000003235
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	1015 ELM ST, NAPA, CA 94559-3935
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002572
Date	Feb 1, 2017
Instrument	2017-0002572

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 23, 2047

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NAPA CA
Property Address	1015 ELM ST, NAPA, CA 94559-3935
Document Number	0000008830
Instrument Date	Apr 23, 2019
Transaction Type	Mortgage
Record Updated	Jun 3, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1015 ELM ST NAPA CA 945593935, NAPA, CA 94559-3935

Mortgage

Document Number	0000008830
Date	May 15, 2019
Instrument	8830

Lender

Name	UNISON AGREEMENT CORP
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 1015 Elm St was $6,820 with a homeowner's exemption, up 2.2% from the year before.

Source: Napa County assessment roll, as of October 21, 2026

Property Jurisdictions

Type	Name
State	California
County	Napa County
Municipality	Napa City
Unified School District	Napa Valley Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,820.00 (+2.17%) Homeowner's exemption	$539,053 (+2%) Land $312,042 Building $227,011	$539,053 Land $312,042 Building $227,011
2025	$6,675.00 Homeowner's exemption	$528,484 Land $305,924 Building $222,560
2023	$6,360.00 (+1.35%) Homeowner's exemption	$507,965 Land $294,046 Building $213,919
2022	$6,275.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1015 Elm St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 16 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	16 in force
Nearby Flood Claims	51 (1986–2015)
Claims Outside the SFHA	1 of 51
Most Recent Claim	May 2015 · other causes
Claims by Event	Severe Storms, Flooding, Mudslides, And Landslides, Dec 2005 · 25 claims Severe Winter Storms, Flooding Landslides, Mud Flow, Mar 1995 · 10 claims Severe Storms & Flooding, Feb 1986 · 12 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1015 Elm St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 97% of California
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF NAPA serves 84,804 people · EPA ID CA2810003
Water Source	Surface water
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 348 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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